Mortgage News
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Oct 15, 2025 6:27 AM
— Mortgage Rates
30-year mortgage rates decline - How often do rates change? | Today's mortgage and refinance rates, October 14, 2025
Average mortgage rates have been mostly lower since the Fed's September rate cut, staying above the average rate the day of the announcement. Yields on 10-Year Treasury bonds have been falling due to tension from tariffs and the government shutdown, leading to expected lower mortgage rates. Bankrate's Mortgage Rate Variability Index suggests below-average deviation in mortgage offers. Overall, 202... more
Oct 15, 2025 6:26 AM
— Bond Markets
Yields Hug Multi-Week Lows After Powell Speech
Bonds remained resilient over the weekend despite a rebound in the stock market following trade war escalation with China. There was a modest sell-off in the morning, followed by a recovery after Powell's speech. The MBS ended slightly stronger at the close.
Oct 15, 2025 6:26 AM
— Mortgage Rates
Mortgage Rates Maintain Last Week's Gains
Mortgage rates dropped to their best levels since September 17th, with most lenders setting rates at multi-week lows. The range has been relatively narrow for the past 4 weeks. There were no major sources of volatility in the market, but a speech from Fed Chair Powell had the potential to cause some. The event calendar will remain quiet during the government shutdown.
Oct 15, 2025 6:24 AM
— Mortgage Rates
Why Mortgage Rates Might Not Keep Going Down
The Federal Reserve is cutting interest rates, but analysts predict that mortgage rates will remain relatively steady around 6% in 2026. Mortgage rates have fallen from their peak above 7% earlier in the year and are now at 6.3%, with expectations for them to stay at current levels due to influences from the bond market. Factors like inflation, the strength of the economy, and Fed policy impact lo... more
Oct 14, 2025 9:27 AM
— Federal Reserve's Balance Sheet
Speech by Chair Powell on the economic outlook and monetary policy
Chair Jerome H. Powell discussed the Federal Reserve's balance sheet and its role in providing reserves to the banking system and stabilizing the economy during the COVID-19 pandemic. The Fed utilized large-scale asset purchases to restore functionality to the Treasury market and support credit flow to households and businesses. The asset purchases helped maintain accommodative financial condition... more
Oct 14, 2025 9:25 AM
— Interest Rates
Lower rates fuel big September refi spike
The article discusses how falling interest rates led to a rush in refinancing, but slowing purchase activity brought a decline in overall lock volumes. It also mentions increases in new-home loan activity, declines in applications, rising incomes improving buyer affordability, and record home prices remaining obstacles.
Oct 14, 2025 9:23 AM
— Home Equity Loans, Home Equity Lines of Credit (HELOCs), Cash-Out Refinances
3 ways to access your home equity
The article discusses the concept of home equity and how homeowners can access it through options like home equity loans, home equity lines of credit (HELOCs), and cash-out refinances. It explains the differences between these options, including how much of the equity can be converted into cash, repayment terms, interest rates, and risks involved. The article also provides examples to help readers... more
Oct 14, 2025 8:24 AM
— Mortgage Lenders
Signing, Borrower Retention, LOS, QC Audit, AVM Tools; Slowing Economy = Lower Rates
The article discusses various tools and services available for lenders and brokers in the mortgage industry, focusing on automation, subservicing platforms, signing solutions, valuation models, appraisal processes, and quality control. It also mentions how the industry is adapting to changes and modernizing to meet the demands of today's lending market.
Oct 14, 2025 7:23 AM
— Bond Markets
One Of The Few Times We Can Say Strong Red Start
Despite bonds showing some weakness on the screen, they are still considered to have had a stronger start compared to Friday afternoon. 10-year yields and MBS prices have improved this morning compared to last Friday's levels.
Oct 14, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 14, 2025: Rates drop alongside the 10-year Treasury yield
Mortgage rates across the board have decreased, with the 30-year fixed rate falling to 6.24% and the 15-year fixed rate at 5.52%. The rates follow the 10-year Treasury yield, which has been dropping lately. Refinance rates are higher than purchase rates. 15-year mortgages generally have lower rates than 30-year ones. Economists do not foresee significant decreases in mortgage rates until the end o... more
Oct 14, 2025 12:23 AM
— Mortgage Rates
Mortgage Rates Forecast 2025-2026: What It Means for Homebuyers and Investors
Experts are predicting that mortgage rates in 2025 and 2026 will remain relatively high, with small declines possible in 2026. The average rate is expected to be around 6-7% in 2025, gradually decreasing in 2026. It is recommended to lock in your rate to avoid potential delays caused by rate volatility.
Oct 13, 2025 6:23 PM
— Mortgage Rates
Report: Trump administration to lay off CDFI Fund staff
The Trump administration plans to lay off Community Development Financial Institutions Fund staff in December due to federal workforce reductions resulting from the government shutdown. The administration's budget request includes stripping the CDFI Fund's ability to allocate discretionary awards and instead proposing a Rural Financial Award Program. The future of banking may be defined by how wis... more
Oct 13, 2025 7:23 AM
— Mortgage Rates
Refinancing Surges as Mortgage Rates Dip
A small drop in mortgage rates has led to an 80% increase in refinancing activity among homeowners looking to reduce their monthly payments. Most of the recent refinances have involved loans from 2023 and 2024. If rates reach 6%, around 5.9 million homeowners could save an average of $399 per month.
Oct 13, 2025 7:23 AM
— Housing Market
When will mortgage rates go down? Rates decreased this week — but just barely.
After two consecutive weeks of increases, mortgage rates have finally decreased this week. The 30-year fixed rate is now two basis points lower than this time last year. The current housing market is in a crunch due to high demand and low supply, causing home prices to remain high. Prospective buyers may not see much relief in a true recession, as lower interest rates could increase demand for hom... more
Oct 13, 2025 6:23 AM
— Mortgage Rates
Mortgage Rates Today, Monday, October 13: Noticeably Lower
Mortgage rates have dropped significantly today, catching the attention of potential home buyers. Other factors such as inflation reports, job numbers, and global news can influence mortgage rates. With the upcoming CPI report delayed due to the government shutdown, the Federal Reserve's next meeting could bring changes. Refinancing may be a good option for those with rates higher than 6.64%. Cust... more
Oct 13, 2025 5:26 AM
— Mortgage Rates
Mortgage fraud risk rising as housing market struggles
Mortgage fraud risk at its highest level in over three years due to undisclosed real estate debt and transaction misrepresentations. The contract rate on a 30-year mortgage fell to 6.49% in the week ended Sept. 5, leading to a rush in refinancing but a decline in overall lock volumes. Total mortgage origination volume is forecasted to barely eclipse $2 trillion by the end of the year for the first... more
Oct 13, 2025 3:23 AM
— Mortgage Rates
Mortgage and refinance interest rates today for October 13, 2025: Rates are holding steady
This article discusses the current mortgage rates provided by Zillow for different types of mortgages, such as 30-year fixed, 15-year fixed, 5/1 ARM, etc. It also mentions strategies for getting the lowest mortgage rates, refinancing rates, and the impact these rates have on monthly payments based on different loan terms. Additionally, it explains adjustable-rate mortgages, factors affecting mortg... more
Oct 13, 2025 3:23 AM
— Mortgage Rates
Mortgage rates creep back up as lenders show caution
Average mortgage rates have risen slightly for the first time in several months, with the two and five-year fixed rates standing at around 5%. This increase may disappoint borrowers as lenders approach the winter cautiously. More than 80% of mortgage customers have fixed-rate deals, and potential first-time buyers are hoping for low rates. The slight increase in rates is attributed to uncertain sw... more
Oct 13, 2025 3:23 AM
— Mortgage Lending
Squeezing Builders Isn’t the Way to Lower Housing Costs
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Oct 12, 2025 7:31 AM
— Housing Market
Housing Market Now Falling Into A Deflationary Vortex | Reventure Consulting's Nick Gerli
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Oct 12, 2025 5:23 AM
— Interest Rates
Trump says inflation is 'defeated' and the Fed has cut rates, yet prices remain too high for many
Inflation has risen in three of the last four months, presenting risks for the White House and the Federal Reserve. The Fed has cut interest rates on the assumption that tariffs will only cause a temporary uptick in inflation. But concerns remain that ongoing tariffs could lead to more than just a temporary increase in inflation, especially as some companies are still raising prices to offset tari... more
Oct 12, 2025 4:23 AM
— Home Equity Line of Credit (HELOC)
HELOC rates today, October 12, 2025: Rates fall 19 basis points in 3 months
The average home equity line of credit (HELOC) interest rate is currently 7.75%, which is the lowest rate in the year 2025. HELOC rates have been decreasing gradually throughout the year. Homeowners have a significant amount of home equity, and with mortgage rates still high, accessing that equity through a HELOC can be a good option. HELOC interest rates are different from primary mortgage rates,... more
Oct 12, 2025 2:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, October 12, 2025: Best week of the year to buy a house
Mortgage rates are down today according to Zillow, with the national average 30-year fixed rate at 6.28% and the 15-year fixed rate at 5.56%. It's considered the best week of the year to buy a house according to new data from Realtor.com. There is information provided on current mortgage rates, including refinancing rates, and the differences between fixed-rate and adjustable-rate mortgages. Advic... more
Oct 11, 2025 10:32 AM
— Mortgage Finance
Renewing the Debate on GSE Reform
The article discusses recent trends in the mortgage market, including changes in interest rates and housing prices. It also mentions the impact of current economic conditions on mortgage lending and borrowing.
DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.